Auto Insurance Claims: Accident and if damages can be collected., michigan no fault law, policy language

Question
QUESTION: I was involved in an accident with my parent's vehicle where I hit a man that ran a stop sign.  The accident happened in Michigan.  Michigan has a no-fault law.  My parent's vehicle was insured as law requires in Michigan, but the other guy's vehicle  was licensed in Wisconsin with no insurance.  The damages to my parent's vehicle was over $12,000.  Can I, my parents, or their insurance company sue for the full amount of these damages? No injuries were sustained.

ANSWER: Hi Scot,

It sucks that in WI, we are not required to have insurance.

I would think in such a situation, your parent's insurance carrier will take care of the expenses for their car and they will persue the WI driver through what is known as subrogation.

If they have not yet, have your parent's contact their insurance company in order to find out what they need to do to proceed for replacement of the car.



---------- FOLLOW-UP ----------

QUESTION: Do you know anything about Michigan "No Fault" law as limiting what can be had?

Answer
Hi Scot,

I am not an expert in Michigan no-fault law. You need to have your parents contact their agent for their specific situation here.

Even if you opt to go with the use of a Michigan attorney to cite the statutes, he/she is going to need all documentation related to this specific situation.

I am not a aware of a general answer to fit this specific instance.

Contacting the insurance agent will give the answers you need because they know how to interpret the policy language as it relates to this problem.

Rob